What are SEC Codes?

Standard Entry Class codes, or SEC codes are 3 character codes that identify the type of ACH payment. The SEC code indicates whether the ACH transaction is consumer or corporate, as well as how the payment was recorded and authorized. We currently support CCD, PPD, WEB and CTX. We’re currently working to add addenda capabilities via UI and API as well.

SEC Code	Name	Transaction Type	Use Case
CTX	Corporate Trade Exchange	Business Credits or Debits	A single or a recurring ACH credit or debit originated to a corporate account. This code supports up to 9,999 addenda records. Authorization is made by agreement between the 2 parties.
CCD and CCD+	Corporate Credit or Debit Entry	Business Credits or Debits	A single or a recurring ACH credit or debit originated to a corporate account. Authorization is made by agreement between the originator and receiver.
PPD and PPD+	Pre arranged Payment or Deposit	Consumer Credits or Debits	A single or a recurring ACH credit or debit sent by an originator to a consumer account to make or collect a payment. Authorization for debits is obtained in writing or via a similar authentication method.
WEB	Internet or mobile initiated entry	Consumer Credits or Debits	Authorization for debits must be in writing, or via similar web authentication.
ACK	ACH Payment Acknowledge	Non Monetary	Acknowledges a CCD Credit Entry, no authorization needed.
ADV	Automated Accounting Advice	Non Monetary	Used for accounting advices in machine readable format. Authorization is made by agreement between the originator and receiver.
ARC	Accounts Receivable Entry	Consumer or Business Debit	Used to convert a mailed paper check into a single entry ACH debit. Authorization is obtained by written notice.
ATX	Financial EDI Acknowledgment	Non Monetary	Acknowledges a CTX Credit entry, no authorization needed.
BOC	Back Office Conversion Entry	Consumer or Business Debit	Used to convert a point of sale check into an ACH transaction. Authorization is obtained by written notice.
CIE	Customer Initiated Entry	Consumer Originated Credit	A credit entry initiated by consumer through a bill payment service provider to pay bills. Authorization is made by agreement between the originator and receiver.
COR	Notification of Change, or Refused Notification of Change	Consumer or Business Non Monetary	Used to send an automated Notification of Change of Refused Notification of Change. No authorization needed.
DNE (Federal Govt. Agency Use Only)	Death Notification Entry	Consumer Non Monetary	Used by Federal agencies to notify a financial institution that a government benefit recipient has died. No authorization needed.
ENR	Automated Enrollment Entry	Business (Federal Govt. Agency) Non Monetary	This allows a financial instutution to send ACH enrollment details to federal agencies. Only used upon request by receiver.
IAT	International ACH Transaction	Consumer or Business Debit or Credit	Used for ACH payments when the receiving financial institution isn't under US jurisdiction. Authorization for Business obtained via agreement. Authorization for Consumers obtained in writing or via similarly authenticated method.
MTE	Machine Transfer Entry	Consumer Credit or Debit	Automated Teller Machine entry. Authorization obtained in writing or via similarly authenticated method.
POP	Point of Purchase Entry	Consumer or Business Debit	Initiated at an electronic terminal using merchant issued physical card or other access device. Authorization is obtained in writing or via a similar authentication method.
POS	Point of Sale Entry	Consumer Credit or Debit	A single ACH debit initiated by an originator at a point-of-purchase or manned bill payment location. Authorization is obtained in writing or via similarly authenticated method.
RCK	Re-presented Check Entry	Consumer Debit	Used to re present a previously returned check that was processes as an ACH. Authorization obtained by posted notice.
SHR	Shared Network Transaction	Consumer Credit or Debit	Used for card transactions in a shared POS environment. Authorization is made by agreement between the originator and receiver.
TEL	Telephone-Initiated Entry	Consumer Debit	Used for ACH payments originated via phone call. Authorization is obtained orally over telephone
TRC	Truncated Entry	Consumer or Business Debit	Used for batches of truncated checks. Agreement is obtained by agreement between the originator and receiver.
TRX	Truncated Entry Exchange	Consumer or Business Debit	Used for batches of truncated checks. Agreement is obtained by agreement between the originator and receiver.
XCK	Destroyed Check Entry	Consumer or Business Debit	User to identify destroyed checks. No authorization needed.